One App. All 4 Banks.
Zero Financial Headaches.

No, your records are completely safe. Once MySpends parses and logs a transaction, it is stored permanently in your local on-device database. Deleting or clearing text messages from your Android Messages app will never erase your transactions or charts in MySpends.

You can change it with one tap! Simply open the transaction, pick the right category, and tap save.

Smart Learning Engine: When you update a merchant's category, MySpends automatically remembers your choice so future transactions at that store are categorized correctly every time.

Zero setup needed! Whenever any bank sends a transaction notification, MySpends automatically detects the bank name, the last 4 digits of your account, and whether it was a UPI transfer or card swipe. It creates individual buckets for each bank automatically.

Never. MySpends has zero connection to your bank credentials, net banking passwords, or UPI PINs. It is strictly a smart reader that takes notes from the SMS messages your bank already sends to your phone. It cannot initiate payments.

Strictly no. MySpends has built-in safety filters that ignore personal chats, family messages, two-factor OTPs, and promotional spam. It only processes verified transaction alerts from official banking sender IDs.

No. All your financial data, account numbers, and transaction logs stay 100% on your device in your private local database. You can turn off Wi-Fi and mobile data completely, and MySpends will continue working normally without any issues.

Not at all. MySpends doesn't run constant background polling. It stays completely asleep, wakes up for a millisecond only when a bank SMS arrives to record the numbers, and goes right back to sleep.

You are the sole owner of your data. Because MySpends does not store your records in the cloud, you can tap the Export button in the app at any time to generate a clean CSV or Excel file. You can email it to yourself, save it to Google Drive.

Note: MySpends is built strictly for personal evaluation, financial self-awareness, and personal expense tracking. It helps you see and understand your daily cash flow with ease, without acting as an official statutory audit or banking service.

Your Financial Health Score is a transparent 0 to 100 fitness metric evaluated 100% on your device using 4 key pillars:

• Budget Discipline (30%): Respecting your overall and bank-specific budget caps.
• Savings & Net Cash Flow (30%): Maintaining a healthy positive gap between income and spends.
• Recurring Bill Reliability (25%): Tracking and paying bills on time without overdue cycles.
• Spend Stability (15%): Keeping predictable, non-erratic day-to-day spending patterns.

You can boost your score by setting realistic monthly budgets, logging all recurring obligations, and avoiding impulse spikes.

MySpends lets you set reminders with customizable lead times (Same day, 1, 3, or 5 days before) ringing with our signature notification sound at 9:00 AM.

Auto-Match Intelligence: When you pay a bill, your bank sends a debit SMS alert. MySpends detects that the merchant and amount match your active reminder, automatically marks the cycle as PAID, cancels the redundant alarm, and rolls forward to the next billing cycle. If ever marked by mistake, you can easily toggle it back to unpaid.

Yes, absolutely. While MySpends excels at recurring cycles (weekly, monthly, quarterly, yearly), you can select "One-Time" frequency for ad-hoc obligations—like paying an annual exam fee, a one-off loan repayment to a friend, or an appliance installation fee. Once marked paid, one-time reminders move into your completed history without generating future cycles.

Total flexibility: If you or an action mistakenly marks a reminder occurrence as completed, simply tap the reminder to open the detail sheet and click "↩️ Mark as Unpaid". It immediately restores to pending state and re-enables your alerts. You can also edit the title, amount, category, frequency, or lead-time notification days at any point.

Strictly 100% on-device. Neither your Financial Health Score nor your spending insights are computed by sending your data to external cloud AI, remote LLMs, or third-party servers. All mathematical evaluations, category trend detections, and pillar scores run locally in your phone's processor using private, deterministic algorithms.